1. Poland Stocks

  2. •

    Technology services

  3. •

    Packaged software
Comperia.pl S.A.

Comperia.pl S.A.

GGPW:CPL
9.85
PLN
-0.10
(-1.01%)
0.11EPS
49.88P/E
17.66MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.48
8.39
8.76
7.59
10.37
11.52
7.48
6.72
11.05
12.68
12.95
17.45
22.91
24.63
Basic EPS, GAAP
1.75
2.04
-1.08
-4.11
-1.64
-3.29
0.07
0.34
1.08
1.47
-0.18
-0.21
-0.21
0.11
Free Cash Flow per Basic Share
-0.16
-2.63
-1.81
-1.44
0.1
-1.72
0.15
0.12
0.7
-0.1
-0.7
-1.9
0.36
0.2
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
6.2
10.95
9.84
5.71
4.19
2.66
2.76
3.08
4.14
5.52
5.34
5.18
5.06
5.2
Tangible Book Value per Share
1.25
2.54
0.69
-0.5
-0.5
1.52
1.24
1.34
2.17
2.03
1.02
1.39
0.85
1
Basic Weighted Avg Shares
2
2
2
2
2
2
3
4
4
3
3
3
3
3
Sales/Revenue/Turnover
13
17
19
16
22
26
26
24
39
44
42
56
72
78
Operating Margin (%)
26.11
9.98
-11.82
-33.33
-12.84
-10.85
2.79
4.21
14.62
12.92
-3.94
0.82
-0.07
1.39
Depreciation Expense
3
2
4
5
4
4
1
1
2
2
2
3
4
4
Net Income, GAAP
3
4
-2
-9
-4
-8
- -
1
4
5
-1
-1
-1
- -
Effective Tax Rate (%)
21.17
- -
- -
- -
- -
- -
- -
- -
20.82
19.63
- -
- -
- -
29.62
Profit Margin (%)
20.61
24.34
-12.38
-54.14
-15.83
-28.57
0.9
5.09
9.74
11.58
-1.38
-1.18
-0.93
0.46
Working Capital
3
8
4
- -
- -
5
3
4
7
6
3
3
2
2
LT Debt
- -
- -
- -
- -
1
- -
- -
- -
2
1
1
1
1
- -
Total Equity
10
24
21
12
9
9
10
11
15
18
17
16
16
16
Return on Invested Capital (%)
36.08
- -
- -
- -
- -
- -
- -
- -
27.23
28.48
- -
- -
- -
2.78
Return on Capital (%)
37.65
- -
- -
- -
- -
- -
- -
- -
27.15
28.63
- -
- -
- -
2.76
Return on Common Equity (%)
39.45
25.23
-10.43
-52.81
-33.17
-82.27
2.48
11.69
29.78
31.43
-3.29
-3.89
-4.15
2.19

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
1
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
23
15
18

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
17
16
14
Cash, Cash Equivalents & STI
3
3
1
Accounts Receivable, Net
14
13
12
Inventories
- -
- -
- -
Total Current Liabilities
16
14
11
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.37%
9.14%
-2.22%
Free Cash Flow
-132.17%
188.59%
-118.84%
Net Income, GAAP
79.46%
31.08%
2.6%
Sales/Revenue/Turnover
16.66%
27.22%
30.05%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12
12
13
13
56
2025
15
18
19
21
72
2026
19
18
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.24
-0.55
-0.33
-0.6
-0.21
2025
-0.44
0.31
0.01
-0.03
-0.21
2026
0.06
0.08
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Szymon Stanislaw Fiecek
Full Time Employees
57
Sector
Technology services
Industry
Packaged software
Address
ul. Konstruktorska 13 Warsaw MZ Poland 02-673
IPO Date
Dec 5, 2011
Website
comperia.pl
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Business
Comperia.pl S.A. operates as a leading financial comparison and fintech platform in Poland, enabling users to compare and access a wide range of financial products and services including cash loans, consolidation loans, mortgage loans, personal and business bank accounts, savings accounts, credit cards, deposits, investment funds, leasing, factoring, life and non-life insurance, and car insurance policies (AC/OC); the company also provides e-commerce payment solutions via Comfino, which offers Buy Now Pay Later (BNPL), installments, leasing, and instant BLIK payments for online and offline merchants across sectors such as medical, jewelry, automotive, and funeral services; additional offerings encompass insurance brokerage through Comperia Ubezpieczenia, credit brokerage via ComperiaRaty (now available offline through financial brokers), and affiliate marketing services under ComperiaLead, which connects partners with 19 banks for client acquisition using AI-powered tools, referral recommendations, and online advertising. Founded in 2007 and headquartered at ul. Konstruktorska 13 in Warsaw, Poland, Comperia.pl S.A. is listed on the Warsaw Stock Exchange (ticker: CPL.WA) and holds a license as a Small Payment Institution (MIP), serving primarily Polish consumers and businesses through its core segments of insurance comparison and brokerage, e-commerce payments, and advertising/financial services brokerage. Recent developments include the 2024 sale of its media asset Telepolis.pl for PLN 9.6 million, with proceeds reinvested into Comfino's expansion to over 2,000 merchants and integrations with platforms like RedCart; the offline rollout of ComperiaRaty and expansion of Comperia Ubezpieczenia agents to offer financial products alongside enhanced CRM systems; a major January 2025 one-year contract with OLX Group's OTOMOTO granting exclusive access to 100% of its advertising space and positioning Comperia as the sole financial services provider, with potential revenue up to PLN 13 million and future integration of Comfino for car parts; internal leadership changes such as appointing Cezary Tokarski to the Management Board, alongside promotions for Mariusz Fornal, Miłosz Mickiewicz, and Rafał Bojarczuk; and ongoing innovations like AI chat tools for affiliates and planned online courses for ComperiaLead users in 2025.